The Financial Independence Show

In today's episode, Cody and Justin interview one of the real originators in the personal finance space, J.D. Roth from Get Rich Slowly. Join them as they dive into J.D.'s financial backstory and learn how he took his own journey to conquer finances and turned it into a successful business. He gives us full transparency and shows that it hasn't always been easy or profitable.

When J.D. first started he was publishing articles daily...as bloggers ourselves that seems outrageous. We chronicle his financial journey and what it looks like to build up a digital business, sell it, and reacquire it all over again. You won't want to miss this one.

Episode Summary

Started posting on the internet in the early 90's

Began writing to document his journey in gaining a healthy relationship with money

2005 he writes an article titled "Get Rich Slowly" which really took off

This article became a successful blog and he was able to quit his job

Becomes devoted Dave Ramsey follower and works his way out of debt in 2007

Recommends an emergency fund in an alternative bank with no ATM card for those that struggle as he did

Get Rich Slowly grows to getting 1M+ page views

The stress of the site, however, becomes too much so he sells it in 2009 for a large yet undisclosed amount of money

He stays on to help run the site until 2012

2015 he returns to the blogging arena with his new site "Money Boss"

In 2017 he decided to reacquire Get Rich Slowly

Get Rich Slowly is currently losing thousands per month but he is developing plans to make it profitable without compromising his personal ethics

Key Takeaways

Overnight success is an illusion. We see so many of these stories on podcasts like ours were someone makes a really nice living just by typing out some thoughts on a page. In reality, it's not that simple and it doesn't happen that fast. J.D. has been running a blog for 20 years and has probably spent more time working on the blog than I want to work in my entire life. Don't get frustrated when you're not earning profit right away, no one does.

Personal happiness over profit. J.D. found himself in a dilemma that most people probably wouldn't find sympathy but that is still a real issue a lot of us have or will face. He was making really good money but his personal life wasn't following the same success. The pressure he put on himself to make the blog a success was too much. What is all the money worth if it takes away your happiness? As you do get off the ground and turn profitable, don't neglect the happiness around you that is so much more valuable.

Authenticity is the best attribute. Looking to grow your audience? Let them see you. The real you, not the you that is always happy and makes every correct investment choice. Let them see you at your worst and your best. Invite them into your life and they will come away with a much stronger connection and loyalty to you and your brand.

Call to Action

Sit down and think about what you want your life or business to look like. What are you willing and not willing to do to succeed? What do you want to be known for? What value do you want to give other? Answer these questions early and commit to them. They will be much harder to make a priority if you wait until profits start coming in and turning away from your values can quickly cause the profits to evaporate too.

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

Sign up for our exclusive newsletter

Join our Facebook Group

Leave us a voicemail

Send an email to contact [at] thefishow [dot] com

If you like what you hear, please leave a rating/review!

The FI show on iTunes

The FI show on Android

Links from the Episode

The Article that started it all - "Get Rich Slowly"

Dave Ramsey's Baby Steps

Contact J.D. Roth:

Get Rich Slowly

Twitter

Learn More About Your Hosts:

Fly to FI (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

In today's episode, Cody and Justin interview one of the real originators in the personal finance space, J.D. Roth from Get Rich Slowly. Join them as they dive into J.D.'s financial backstory and learn how he took his own journey to conquer finances and turned it into a successful business. He gives us full transparency and shows that it hasn't always been easy or profitable.

When J.D. first started he was publishing articles daily...as bloggers ourselves that seems outrageous. We chronicle his financial journey and what it looks like to build up a digital business, sell it, and reacquire it all over again. You won't want to miss this one.

Episode Summary

* Started posting on the internet in the early 90's

* Began writing to document his journey in gaining a healthy relationship with money

* 2005 he writes an article titled "Get Rich Slowly" which really took off

* This article became a successful blog and he was able to quit his job

* Becomes devoted Dave Ramsey follower and works his way out of debt in 2007

* Recommends an emergency fund in an alternative bank with no ATM card for those that struggle as he did

* Get Rich Slowly grows to getting 1M+ page views

* The stress of the site, however, becomes too much so he sells it in 2009 for a large yet undisclosed amount of money

* He stays on to help run the site until 2012

* 2015 he returns to the blogging arena with his new site "Money Boss"

* In 2017 he decided to reacquire Get Rich Slowly

* Get Rich Slowly is currently losing thousands per month but he is developing plans to make it profitable without compromising his personal ethics

Key Takeaways

* Overnight success is an illusion. We see so many of these stories on podcasts like ours were someone makes a really nice living just by typing out some thoughts on a page. In reality, it's not that simple and it doesn't happen that fast. J.D. has been running a blog for 20 years and has probably spent more time working on the blog than I want to work in my entire life. Don't get frustrated when you're not earning profit right away, no one does.

* Personal happiness over profit. J.D. found himself in a dilemma that most people probably wouldn't find sympathy but that is still a real issue a lot of us have or will face. He was making really good money but his personal life wasn't following the same success. The pressure he put on himself to make the blog a success was too much. What is all the money worth if it takes away your happiness? As you do get off the ground and turn profitable, don't neglect the happiness around you that is so much more valuable.

* Authenticity is the best attribute. Looking to grow your audience? Let them see you. The real you, not the you that is always happy and makes every correct investment choice. Let them see you at your worst and your best. Invite them into your life and they will come away with a much stronger connection and loyalty to you and your brand.

Call to Action

Sit down and think about what you want your life or business to look like. What are you willing and not willing to do to succeed? What do you want to be known for? What value do you want to give other? Answer these questions early and commit to them. They will be much harder to make a priority if you wait until profits start coming in and turning away from your values can quickly cause the profits to evaporate too.

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

* Sign up for our exclusive newsletter

*

In today's episode, Cody and Justin interview Michelle Schroeder-Gardner from Making Sense of Cents. Join them as they dive into Michelle's financial backstory and learn how she took her issues with student loan debt and turned it into a passion that ultimately became super profitable. While Michelle did retire from her job at 24 and is now living it up sailing around the world, she is still grinding away on her blog and saving a ton of money. This really shows you that no matter how much money you have, your core values remain the same.

Michelle is also trying to help other aspiring bloggers follow in her footsteps through her affiliate marketing course. We hope you enjoy some time getting a behind the scenes look at one of the biggest success stories in financial independence who remains extremely humble and true to her beliefs.

Episode Summary

Michelle started blogging in 2011 anonymously simply as a hobby

Was living paycheck to paycheck and paying off student loans

Spent 30-40 hours a week while also working 50 hours at her full-time job

In 2013 she quit her job after reaching consistent earnings of $5k-10k per month

On top of blogging she was also staff writing and managing accounts for other blogs

A year later she quits all work but her blog and her income triples

Remains very frugal to date while earning $1.5M annually from the blog

Spent some time living in an RV

Currently can be found traveling the world by boat

Key Takeaways

There's no substitute for hard work. Michelle was working an additional full-time jobs worth of hours just on her blog. Remember that she wasn't making anything in the early days. She talks about the first 6 months and how many people quit. Build a solid plan and stick to it.

Find the hustle you love. This goes hand in hand with the first takeaway. You will burn out and fail if you aren't truly passionate about this additional work. We can all tell when an employee hates there job through their performance. Imagine how bad your performance will be if you're not enjoying it or being motivated by money.

Less is more. When starting any new venture we try to spread ourselves so thin becoming experts in all facets. She's living proof that removing some distractions and focusing on a specific area pays off. Her profits actually tripled!

You are who you are. Yes she is living an awesome life and making a ton of money but she still chooses to save over 90% of her income. She could afford to do so much more but doesn't. She continues to follow the principles that got her to where she is today. When you retire don't fear that you'll completely change and begin wasting money. It's actually more likely that you'll come away spending less than when you were working full time.

Call to Action

Analyze what you love to do or what you'd love to understand better. Make a list of the top three things. Then begin researching one you are truly passionate about. One that you would work on for free even when sleep deprived. Now take that and start working until you build something worth monetizing. You are much more likely to succeed and will have fun either way.

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

Sign up for our exclusive newsletter

Join our Facebook Group

Leave us a voicemail

Send an email to contact [at] thefishow [dot] com

If you like what you hear, please leave a rating/review!

The FI show on iTunes

The FI show on Android

Links from the Episode

Michelle's Affiliate Marketing Course

Free Facebook Group

How to Start a Blog

Contact Michelle:

Making Sense of Cents 

Instagram (You won't want to miss these awesome travel photos)

Twitter

Learn More About Your Hosts:

Fly to FI (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

In today's episode, Cody and Justin interview Michelle Schroeder-Gardner from Making Sense of Cents. Join them as they dive into Michelle's financial backstory and learn how she took her issues with student loan debt and turned it into a passion that ultimately became super profitable. While Michelle did retire from her job at 24 and is now living it up sailing around the world, she is still grinding away on her blog and saving a ton of money. This really shows you that no matter how much money you have, your core values remain the same.

Michelle is also trying to help other aspiring bloggers follow in her footsteps through her affiliate marketing course. We hope you enjoy some time getting a behind the scenes look at one of the biggest success stories in financial independence who remains extremely humble and true to her beliefs.

Episode Summary

Michelle started blogging in 2011 anonymously simply as a hobby

Was living paycheck to paycheck and paying off student loans

Spent 30-40 hours a week while also working 50 hours at her full-time job

In 2013 she quit her job after reaching consistent earnings of $5k-10k per month

On top of blogging she was also staff writing and managing accounts for other blogs

A year later she quits all work but her blog and her income triples

Remains very frugal to date while earning $1.5M annually from the blog

Spent some time living in an RV

Currently can be found traveling the world by boat

Key Takeaways

There's no substitute for hard work. Michelle was working an additional full-time jobs worth of hours just on her blog. Remember that she wasn't making anything in the early days. She talks about the first 6 months and how many people quit. Build a solid plan and stick to it.

Find the hustle you love. This goes hand in hand with the first takeaway. You will burn out and fail if you aren't truly passionate about this additional work. We can all tell when an employee hates there job through their performance. Imagine how bad your performance will be if you're not enjoying it or being motivated by money.

Less is more. When starting any new venture we try to spread ourselves so thin becoming experts in all facets. She's living proof that removing some distractions and focusing on a specific area pays off. Her profits actually tripled!

You are who you are. Yes she is living an awesome life and making a ton of money but she still chooses to save over 90% of her income. She could afford to do so much more but doesn't. She continues to follow the principles that got her to where she is today. When you retire don't fear that you'll completely change and begin wasting money. It's actually more likely that you'll come away spending less than when you were working full time.

Call to Action

Analyze what you love to do or what you'd love to understand better. Make a list of the top three things. Then begin researching one you are truly passionate about. One that you would work on for free even when sleep deprived. Now take that and start working until you build something worth monetizing. You are much more likely to succeed and will have fun either way.

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

Sign up for our exclusive newsletter

Join our Facebook Group

Leave us a voicemail

Send an email to contact [at] thefishow [dot] com

If you like what you hear, please leave a rating/review!

The FI show on iTunes

The FI show on Android

Links from the Episode

Michelle's Affiliate Marketing Course

Free Facebook Group

How to Start a Blog

Contact Michelle:

Making Sense of Cents 

Instagram (You won't want to miss these awesome travel photos)

Twitter

Learn More About Your Hosts:

Fly to FI (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

In today's episode, Cody and Justin interview Chad aka Coach Carson from CoachCarson.com. Join them as they dive into Chad's financial backstory and learn how he realized that he couldn't become another member in the rat race and turned to real estate to create an impressive portfolio of rental homes. He now has a huge following of people looking to follow in his footsteps to financial independence through real estate. Chad is down to only devoting 1-2 hours a week to his rental portfolio and instead spends his time traveling, spending time with his wife and kids, and luckily for you, coaching members on how to own the real estate game just like him through his blend of free and premium online courses. You also won't want to miss out on his new book Retire Early With Real Estate.

Make sure to listen to the full episode for details on how to win your own free copy!

Episode Summary

Chad got his first experience with real estate doing the dirty work on his dad's properties at age 11

While attending college and playing football for Clemson he looked for a way to avoid a corporate career

His real estate journey starts with just $1k at age 23

Started small to protect his downside

Before getting into rentals he would find flip opportunities for other investors

Chad talks about leveraging the bigger pockets community to get started

Connects with one of his business professors about real estate

The professor is still a money lender today

Rode out the downturn in 2008 markets by building cash cushion from rental incomes

At one point bought up to 50 properties per year

When searching for properties, look for properties that others are scared of

Chad didn't know how to do any handyman work

Leveraged referrals to find quality contractors for your properties

Buying properties may not be for everyone but house hacking can be

Spent 17 months in Ecuador just living off of rental properties

Wrote a book detailing his insights on real estate called Retire Early With Real Estate

Now looking for his next opportunity to give back and make the world a better place

Key Takeaways

Leverage the networks available to you! Chad mentions getting his first real start with investing came from chatting with a college professor from a class he wasn't even enrolled in. Then he mentions the great resource in Bigger Pockets. Basically, you don't have to go into this blind or alone.

Be efficient. Don't try to reinvent the wheel. When looking for quality contractors, property managers, or any other service you need, utilize referrals before simply cold calling. When you do get those contractors hired, tag along and try to learn a new skill yourself.

Be set up to avoid the downturns. Chad was quickly faced with the worst real estate market turn we may ever see in our lifetime. He survived by pumping all the cash income back into his properties and not wasting it on increasing his lifestyle. Never mistake early success for being bulletproof.

Find deals with room to pay for the work. The point of finding all these deals is to create a portfolio of income streams so you can stop working and find financial independence. If find deals that can only make money with you doing the work, then you are just swapping whatever job you have now for a new one. That's not the point so make sure you earn enough to pay someone else for the labor.

House hacking comes in flavors.  The biggest expense most Americans have is housing. If you can find a way to have someone else pay your mortgage, you have just made a huge step towards financial independence. This could be having roommates, neighbors in a duplex you own, or even a live-in house flip. Regardless of your situation or your zip code, don't disregard the idea of house hacking.

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI show community!

Sign up for our exclusive newsletter

Join our Facebook Group

Leave us a voicemail

Send an email to contact [at] thefishow [dot] com

If you like what you hear, please leave a rating/review!

The FI show on iTunes

The FI show on Android

Links from the Episode

Coach Carson's free 7-day course

Contact Chad:

Coach Chad Carson | Twitter

Money Life Manifesto

Best Real Estate Investing Strategy

House Hacking Guide

Fly to FI (Cody’s Blog)

Saving-Sherpa (Justin’s blog)

In today's episode, Cody and Justin interview Chad aka Coach Carson from CoachCarson.com. Join them as they dive into Chad's financial backstory and learn how he realized that he couldn't become another member in the rat race and turned to real estate to create an impressive portfolio of rental homes. He now has a huge following of people looking to follow in his footsteps to financial independence through real estate. Chad is down to only devoting 1-2 hours a week to his rental portfolio and instead spends his time traveling, spending time with his wife and kids, and luckily for you, coaching members on how to own the real estate game just like him through his blend of free and premium online courses. You also won't want to miss out on his new book Retire Early With Real Estate.

Make sure to listen to the full episode for details on how to win your own free copy!

Episode Summary

* Chad got his first experience with real estate doing the dirty work on his dad's properties at age 11

* While attending college and playing football for Clemson he looked for a way to avoid a corporate career

* His real estate journey starts with just $1k at age 23

* Started small to protect his downside

* Before getting into rentals he would find flip opportunities for other investors

* Chad talks about leveraging the bigger pockets community to get started

* Connects with one of his business professors about real estate

* The professor is still a money lender today

* Rode out the downturn in 2008 markets by building cash cushion from rental incomes

* At one point bought up to 50 properties per year

* When searching for properties, look for properties that others are scared of

* Chad didn't know how to do any handyman work

* Leveraged referrals to find quality contractors for your properties

* Buying properties may not be for everyone but house hacking can be

* Spent 17 months in Ecuador just living off of rental properties

* Wrote a book detailing his insights on real estate called Retire Early With Real Estate

* Now looking for his next opportunity to give back and make the world a better place

Key Takeaways

* Leverage the networks available to you! Chad mentions getting his first real start with investing came from chatting with a college professor from a class he wasn't even enrolled in. Then he mentions the great resource in Bigger Pockets. Basically, you don't have to go into this blind or alone.

* Be efficient. Don't try to reinvent the wheel. When looking for quality contractors, property managers, or any other service you need, utilize referrals before simply cold calling. When you do get those contractors hired, tag along and try to learn a new skill yourself.

* Be set up to avoid the downturns. Chad was quickly faced with the worst real estate market turn we may ever see in our lifetime. He survived by pumping all the cash income back into his properties and not wasting it on increasing his lifestyle. Never mistake early success for being bulletproof.

* Find deals with room to pay for the work. The point of finding all these deals is to create a portfolio of income streams so you can stop working and find financial independence. If find deals that can only make money with you doing the work, then you are just swapping whatever job you have now for a new one.

This is the biggest news we've shared with you up to date! Unfortunately, TJ had to step away from FIRE Below Zero for family reasons, but the show goes on!

Cody has teamed up with Justin aka the Saving Sherpa, to present to you ... The FI Show! We are so excited to move forward with this new project and we appreciate you supporting us during this transition.

So, what does this mean for you listeners?

What's Different?

We are going to make this transition as seamless as possible. Any links from FIRE Below Zero will be automatically redirected to The FI Show. You don't have to worry about remembering the new URL!

Our social media accounts will stay the same, but the handles will change. We appreciate all of you who are already part of our community, so we decided not to start from scratch. Our new handles on Twitter and Instagram are @thefishowguys. Our Facebook Group and Facebook Page will be renamed as The FI Show (currently still working on this).

Cody and Justin have some exciting new episodes in the pipeline. We want to bring something fresh and new to the show! We will still have the normal interview-style episodes you're used to, but we want to spice it up a bit as well! Stay tuned.

This show is all about you! We are going to do our best to engage with the community as much as possible. With your help, we can make The FI Show amazing. Please don't hesitate to reach out to us with questions, suggestions, and comments!

Join the Community!

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

Sign up for our exclusive newsletter

Leave us a voicemail

Join our Facebook Group

Send us an email: contact [at] theFIShow [dot] com

If you like what you hear, please leave a rating/review!

The FI Show on iTunes

The FI Show on Android

Again, thank you all so much for your support and we can't wait to grow this community and show you what we have in store!

See you next week.

This is the biggest news we've shared with you up to date! Unfortunately, TJ had to step away from FIRE Below Zero for family reasons, but the show goes on!

Cody has teamed up with Justin aka the Saving Sherpa, to present to you ... The FI Show! We are so excited to move forward with this new project and we appreciate you supporting us during this transition.

So, what does this mean for you listeners?

What's Different?

We are going to make this transition as seamless as possible. Any links from FIRE Below Zero will be automatically redirected to The FI Show. You don't have to worry about remembering the new URL!

Our social media accounts will stay the same, but the handles will change. We appreciate all of you who are already part of our community, so we decided not to start from scratch. Our new handles on Twitter and Instagram are @thefishowguys. Our Facebook Group and Facebook Page will be renamed as The FI Show (currently still working on this).

Cody and Justin have some exciting new episodes in the pipeline. We want to bring something fresh and new to the show! We will still have the normal interview-style episodes you're used to, but we want to spice it up a bit as well! Stay tuned.

This show is all about you! We are going to do our best to engage with the community as much as possible. With your help, we can make The FI Show amazing. Please don't hesitate to reach out to us with questions, suggestions, and comments!

Join the Community!

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in The FI Show community!

Sign up for our exclusive newsletter

Leave us a voicemail

Join our Facebook Group

Send us an email: contact [at] theFIShow [dot] com

If you like what you hear, please leave a rating/review!

The FI Show on iTunes

The FI Show on Android

Again, thank you all so much for your support and we can't wait to grow this community and show you what we have in store!

See you next week.

In today's episode, Cody and TJ interview Jillian from Montana Money Adventures. Join them as they dive into Jillian's financial backstory and learn how she overcame substantial adversity. Now, Jillian spends her time blogging, life/money coaching, and running a Mini-Retirement Course.

Episode Summary

Jillian grew up in poverty

From a young age, she knew that money = options... she was always looking for chores to earn an extra 25 or 50 cents.

She attended a bible college after high school and managed to save $8,000 during her time there

Got married at 19 and adopted her first child at 21

Bought a camper for $5,000 and lived in it for a year

Moved to Germany for several years

Came back to the U.S. and bought a rental property

Eventually bought two more rental properties

Adopted 3 more kids and had one more kiddo with her husband

Reaches financial independence at age 32

Allows children to make mistakes with money while the sums are small

Only allow for a finite number of "cares" each day

Jillian's 5-value system and 3-by-3 principle

"Do what you love and expand your impact"

Jillian talks about her life coaching, online courses, and day-to-day activities

How to overcome your sticking points

Find the source of your problems. Instead of swatting at the spiderwebs, try to kill the spider

Key Takeaways

Start your financial journey as early as possible! Money mistakes hurt a lot less when you're young and the sums are small. Jillian allows her children to understand the power of money by making money mistakes. It's never too early to start learning about personal finance!

Conserve your "cares". Jillian only has a finite number of "cares" each day. She saves each "care" for the things are truly important. Don't let the minutia bog you down!

Design a life that is so aligned with your passions and values that you never want to retire. After Cody asks Jillian when she plans to retire, she responds by saying that she never plans to "retire". She is so content with her life because she has aligned her passions and values with her daily activities. If you study yourself and understand what your purpose and mission are, you can do the same!

Stop swatting at spiderwebs... kill the spiders. Often times, we misdiagnose our own problems and end up fighting the wrong battles. Jillian describes these misdiagnosed problems as "spiderwebs". Instead, we should focus on killing the spiders!

Your time and energy are the most scarce and limited resources in your life. Some people think that money is our scarcest commodity. Jillian flips this ideology on its head and explains that time and energy are actually much more scarce than money.

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in the FIRE Below Zero community!

Join our Facebook Group

Sign up for our newsletter

Leave us a voicemail

If you like what you hear, please leave a rating/review!

FIRE Below Zero on iTunes

FIRE Below Zero on Android

Links from the Episode

Jillian's Mini-Retirement Course

Contact Jillian:

Montana Money Adventures | Twitter

Three-by-Three Principle

Jillian's Five Values

Fly to FI (Cody’s Blog)

Half Life Theory (TJ’s blog)

In today's episode, Cody and TJ interview Jillian from Montana Money Adventures. Join them as they dive into Jillian's financial backstory and learn how she overcame substantial adversity. Now, Jillian spends her time blogging, life/money coaching, and running a Mini-Retirement Course.

Episode Summary

* Jillian grew up in poverty

* From a young age, she knew that money = options... she was always looking for chores to earn an extra 25 or 50 cents.

* She attended a bible college after high school and managed to save $8,000 during her time there

* Got married at 19 and adopted her first child at 21

* Bought a camper for $5,000 and lived in it for a year

* Moved to Germany for several years

* Came back to the U.S. and bought a rental property

* Eventually bought two more rental properties

* Adopted 3 more kids and had one more kiddo with her husband

* Reaches financial independence at age 32

* Allows children to make mistakes with money while the sums are small

* Only allow for a finite number of "cares" each day

* Jillian's 5-value system and 3-by-3 principle

* "Do what you love and expand your impact"

* Jillian talks about her life coaching, online courses, and day-to-day activities

* How to overcome your sticking points

* Find the source of your problems. Instead of swatting at the spiderwebs, try to kill the spider

Key Takeaways

* Start your financial journey as early as possible! Money mistakes hurt a lot less when you're young and the sums are small. Jillian allows her children to understand the power of money by making money mistakes. It's never too early to start learning about personal finance!

* Conserve your "cares". Jillian only has a finite number of "cares" each day. She saves each "care" for the things are truly important. Don't let the minutia bog you down!

* Design a life that is so aligned with your passions and values that you never want to retire. After Cody asks Jillian when she plans to retire, she responds by saying that she never plans to "retire". She is so content with her life because she has aligned her passions and values with her daily activities. If you study yourself and understand what your purpose and mission are, you can do the same!

* Stop swatting at spiderwebs... kill the spiders. Often times, we misdiagnose our own problems and end up fighting the wrong battles. Jillian describes these misdiagnosed problems as "spiderwebs". Instead, we should focus on killing the spiders!

* Your time and energy are the most scarce and limited resources in your life. Some people think that money is our scarcest commodity. Jillian flips this ideology on its head and explains that time and energy are actually much more scarce than money.

Join the Community

We’d love to hear your comments and questions about this week’s episode. Here are some of the best ways to stay in touch and get involved in the FIRE Below Zero community!

* Join our Facebook Group

* Sign up for our newsletter

* Leave us a voicemail

If you like what you hear, please leave a rating/review!

FIRE Below Zero on iTunes